200 Mortgage Credit Report

Functional Group ME

X12F Finance Subcommittee

This X12 Transaction Set contains the format and establishes the data contents of the Mortgage Credit Report Transaction Set (200) for use within the context of an Electronic Data Interchange (EDI) environment. This transaction set can be used to transmit the data that comprises a mortgage credit report. It is the electronic response to the Mortgage Credit Report Order Transaction Set (833).

Heading

Position
Segment
Name
Max use
0100
Transaction Set HeaderMandatory
Max 1
To indicate the start of a transaction set and to assign a control number
0200
Beginning SegmentMandatory
Max 1
To indicate the beginning of a transaction set
0300
Credit Report Order DetailsMandatory
Max 1
To provide attributes of the credit report
0350
Request ValidationOptional
Max 5
To specify the validity of the request and indicate follow-up action authorized
0400
Date or Time or PeriodOptional
Max 5
To specify any or all of a date, a time, or a time period
The DTP segment is used to state the original release and last-ordered date.
0500
Reference InformationOptional
Max >1
To specify identifying information
The REF segment is used to state order, case, loan, and data-authentication numbers.
0600
Monetary Amount InformationOptional
Max 3
To indicate the total monetary amount
The AMT segment records charges for a credit report.
0700
Property or Entity IdentificationOptional
Max 1
To define the attributes of a property or an entity
0800
Location ID ComponentOptional
Max 10
To define types and values of a geographic location
N1 Loop
Repeat 20
0900
Party IdentificationMandatory
Max 1
To identify a party by type of organization, name, and code
The N1 loop is used to describe reporting agency, requestor, repository, and bill-to-info information.
1100
Party LocationOptional
Max 2
To specify the location of the named party
1200
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
1300
Reference InformationOptional
Max 3
To specify identifying information
1400
Administrative Communications ContactOptional
Max 5
To identify a person or office to whom administrative communications should be directed

Detail

Position
Segment
Name
Max use
LX Loop
Repeat 2
0100
Transaction Set Line NumberMandatory
Max 1
To reference a line number in a transaction set
0200
Reference InformationOptional
Max 1
To specify identifying information
The REF segment is used to record an internal control number.
IN1 Loop
Repeat 15
0300
Individual IdentificationMandatory
Max 1
To provide identification of an individual or entity
The IN1 loop describes applicant's name and aliases.
0400
Individual Name Structure ComponentsOptional
Max 10
To sequence individual name components for maximum specificity
0500
Demographic InformationOptional
Max 1
To supply demographic information
0600
Quantity and DescriptionOptional
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
The N10 segment is used to indicate age in number of years or text.
0700
Administrative Communications ContactOptional
Max 3
To identify a person or office to whom administrative communications should be directed
0800
Quantity InformationOptional
Max 15
To specify quantity information
The QTY segment is used to state the number and age of dependents.
0900
Yes/No QuestionOptional
Max 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the applicant has been interviewed.
1000
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
The NTE segment is used to report any interview comments.
NX1 Loop
Repeat 10
1100
Property or Entity IdentificationMandatory
Max 1
To define the attributes of a property or an entity
The NX1 loop describes details of applicant's current and previous addresses.
1200
Location ID ComponentOptional
Max 10
To define types and values of a geographic location
1300
Date or Time or PeriodOptional
Max 1
To specify any or all of a date, a time, or a time period
1400
Quantity and DescriptionOptional
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
1600
Yes/No QuestionOptional
Max 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the rent has been verified.
1700
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
N1 Loop
Repeat 20
1800
Party IdentificationMandatory
Max 1
To identify a party by type of organization, name, and code
The N1 loop describes the names of current and previous employers, tenants, and nonemployment income sources.
2000
Party LocationOptional
Max 2
To specify the location of the named party
2100
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
2200
Reference InformationOptional
Max 1
To specify identifying information
2300
Administrative Communications ContactOptional
Max 4
To identify a person or office to whom administrative communications should be directed
2400
Date or Time or PeriodOptional
Max 1
To specify any or all of a date, a time, or a time period
2500
Yes/No QuestionOptional
Max 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the employer has been verified.
2600
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
SOI Loop
Repeat 5
2700
Source of IncomeMandatory
Max 1
To define the source and related information about the income being reported
2800
Employment PositionOptional
Max 1
To describe employment position
2900
Date or Time or PeriodOptional
Max 1
To specify any or all of a date, a time, or a time period
2950
Quantity and DescriptionOptional
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
3000
Yes/No QuestionOptional
Max 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the position has been verified.
AIN Loop
Repeat 7
3100
IncomeMandatory
Max 1
To provide type and amount of income obtained
3200
Yes/No QuestionOptional
Max 1
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the income has been verified.
TLN Loop
Repeat 1000
3300
TradelineMandatory
Max 1
To report specific details on a tradeline or credit-related item
3400
Party IdentificationMandatory
Max 1
To identify a party by type of organization, name, and code
The N1 segment is used to state the credit grantor name.
3600
Party LocationOptional
Max 2
To specify the location of the named party
3700
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
3800
Reference InformationOptional
Max 1
To specify identifying information
3900
Administrative Communications ContactOptional
Max 4
To identify a person or office to whom administrative communications should be directed
4000
Date or Time or PeriodOptional
Max 7
To specify any or all of a date, a time, or a time period
4100
Trade Line Bureau IdentifierOptional
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
4200
Payment Pattern DetailsOptional
Max 15
To identify the payment pattern of specific, credit-related items
4300
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
4350
Yes/No QuestionOptional
Max 10
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
AMT Loop
Repeat 6
4400
Monetary Amount InformationMandatory
Max 1
To indicate the total monetary amount
4500
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
RO Loop
Repeat 500
4600
Public Record or ObligationMandatory
Max 1
To provide details of public records or obligations
4700
Case DescriptionOptional
Max 1
To identify and describe a specific court case
4800
Trade Line Bureau IdentifierOptional
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
4900
Date or Time or PeriodOptional
Max 10
To specify any or all of a date, a time, or a time period
5000
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
5050
Yes/No QuestionOptional
Max 10
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
AMT Loop
Repeat 6
5100
Monetary Amount InformationMandatory
Max 1
To indicate the total monetary amount
5200
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
N1 Loop
Repeat 5
5300
Party IdentificationMandatory
Max 1
To identify a party by type of organization, name, and code
The N1 segment is used to state the court, attorney, or garnishee name.
5500
Party LocationOptional
Max 2
To specify the location of the named party
5600
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
CCI Loop
Repeat 5
5700
Credit Counseling InformationMandatory
Max 1
To define the applicant's participation in credit counseling
5800
Date or Time or PeriodOptional
Max 3
To specify any or all of a date, a time, or a time period
5900
Message TextOptional
Max 4
To provide a free-form format that allows the transmission of text information
INQ Loop
Repeat 100
6000
Credit Inquiry DetailsMandatory
Max 1
To identify results of credit inquiry
The INQ loop details credit inquiries.
6100
Trade Line Bureau IdentifierOptional
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
6200
Party IdentificationOptional
Max 1
To identify a party by type of organization, name, and code
6400
Party LocationOptional
Max 2
To specify the location of the named party
6500
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
6600
Administrative Communications ContactOptional
Max 2
To identify a person or office to whom administrative communications should be directed
6700
Date or Time or PeriodOptional
Max 1
To specify any or all of a date, a time, or a time period
6800
Yes/No QuestionOptional
Max 10
To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition
The YNQ segment indicates whether or not the inquiry has been verified.
6900
Note/Special InstructionOptional
Max 20
To transmit information in a free-form format, if necessary, for comment or special instruction
VAR Loop
Repeat 25
7000
Credit File VariationMandatory
Max 1
To identify variations discovered in credit items or tradelines
The VAR loop describes any variations discovered between credit files.
7100
Note/Special InstructionOptional
Max 50
To transmit information in a free-form format, if necessary, for comment or special instruction
7200
Individual IdentificationOptional
Max 1
To provide identification of an individual or entity
7300
Individual Name Structure ComponentsOptional
Max 10
To sequence individual name components for maximum specificity
7400
Demographic InformationOptional
Max 1
To supply demographic information
7500
Quantity and DescriptionOptional
Max 1
To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value
NX1 Loop
Repeat 10
7600
Property or Entity IdentificationMandatory
Max 1
To define the attributes of a property or an entity
7700
Location ID ComponentOptional
Max 10
To define types and values of a geographic location
N1 Loop
Repeat >1
7800
Party IdentificationMandatory
Max 1
To identify a party by type of organization, name, and code
8000
Party LocationOptional
Max 2
To specify the location of the named party
8100
Geographic LocationOptional
Max 1
To specify the geographic place of the named party
8200
Reference InformationOptional
Max 1
To specify identifying information
8300
Administrative Communications ContactOptional
Max 2
To identify a person or office to whom administrative communications should be directed
8400
Employment PositionOptional
Max 1
To describe employment position
8500
Date or Time or PeriodOptional
Max 2
To specify any or all of a date, a time, or a time period
SCM Loop
Repeat >1
8600
Credit Score ModelMandatory
Max 1
To define the credit score model used and the related score
The SCM loop describes credit scoring specifics.
8700
Credit ScoreOptional
Max 5
To identify evaluation factors used in determining an applicant's credit score
8800
Loop HeaderOptional
Max 1
To indicate that the next segment begins a loop
NTE Loop
Repeat 20
8900
Note/Special InstructionMandatory
Max 1
To transmit information in a free-form format, if necessary, for comment or special instruction
9000
Trade Line Bureau IdentifierOptional
Max 5
To identify the credit repository and the associated credit files or hit levels for a particular item
9100
Message TextOptional
Max >1
To provide a free-form format that allows the transmission of text information
9200
Loop TrailerOptional
Max 1
To indicate that the loop immediately preceding this segment is complete
9220
Loop HeaderOptional
Max 1
To indicate that the next segment begins a loop
REF Loop
Repeat >1
9230
Reference InformationMandatory
Max 1
To specify identifying information
The REF loop is used to convey summarized credit information.
9240
Survey Question ResponseMandatory
Max >1
To provide information in response to ad hoc survey questions
The G32 segment is used to convey summarized credit details.
9250
Note/Special InstructionOptional
Max 1
To transmit information in a free-form format, if necessary, for comment or special instruction
9260
Loop TrailerOptional
Max 1
To indicate that the loop immediately preceding this segment is complete
9300
Transaction Set TrailerMandatory
Max 1
To indicate the end of the transaction set and provide the count of the transmitted segments (including the beginning (ST) and ending (SE) segments)

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